Investor Presentaiton

Notes on slides 11-15 Slide 11 - Asset yields and funding costs 1. 2. 3. 4. 5. 6. 56 Average balances are calculated as weighted average of daily closing balances. Average interest-earning assets include interest-bearing deposits with banks, interest-bearing demand deposits with Bank of Canada, securities, cash collateral on securities borrowed, securities purchased under resale agreements, loans net of allowances for credit losses, and certain sublease-related assets. The yield for loans and acceptances is calculated as interest income on loans as a percentage of average loans and acceptances, net of allowance for credit losses. The yield on securities is calculated as interest income on securities as a percentage of average securities. Total yield on average interest-earning assets is calculated as interest income on assets as a percentage of average interest-earning assets. These metrics do not have a standardized meaning and may not be comparable to similar measures disclosed by other financial institutions. Other includes balances related to cash and deposits with banks, reverse repos, and other. The yield for Personal-Notice/Demand deposits is calculated as interest expense on Personal-Notice/Demand deposits as a percentage of average Personal-Notice/Demand deposits. The yield for Corporate & Commercial-Notice/Demand deposits is calculated as interest expense on Corporate & Commercial-Notice/Demand deposits as a percentage of average Corporate & Commercial-Notice/Demand deposits. The yield for Term-Client deposits is calculated as interest expense on Term-Client deposits as a percentage of average Term-Client deposits. Term-Client deposits are term deposits less wholesale funding. Total cost on average interest-earning assets is calculated as interest expense on liabilities as a percentage of average interest-earning assets. These metrics do not have a standardized meaning and may not be comparable to similar measures disclosed by other financial institutions. Other includes wholesale funding, sub-debt, repos and other liabilities. Deposit base represents client deposits, excluding wholesale funding. Reflects spot balances as of the respective period ends. Prudent risk management Slide 12 1. 2. 3. 4. All results are on a Reported basis and in Canadian dollars unless otherwise indicated. Allowance for credit losses to gross carrying amount of loans. The gross carrying amount of loans include certain loans that are measured at fair value through profit or loss (FVTPL). Provision for (reversal of) credit losses on impaired loans to average loans and acceptances, net of allowance for credit losses Provision for (reversal of) credit losses to average loans and acceptances, net of allowance for credit losses. Slide 13 - Lending portfolio has a strong risk profile 1. 2. 3. Incorporates security pledged; equivalent to S&P/Moody's rating of BBB/Baa2. LTV ratios for residential mortgages are calculated based on weighted average. See page 35 of the Q3/23 Report to Shareholders for further details. GVA and GTA definitions based on regional mappings from Teranet. Slide 15 Highlights - Canadian Personal & Business Banking 1. 2. 3. 4. Adjusted results are non-GAAP measures. See slide 39 for further details. Adjusted results are non-GAAP measures. See slide 39 for further details. For Q3/22, adjusted net interest income excludes $6MM for the accretion of the acquisition date fair value discount on the acquired Costco credit card receivables, treated as an item of note, from reported net interest income in that period. Adjusted results are non-GAAP measures. See slide 39 for further details. For further details on the composition of the measure, see note 4 on slide 40 and slide 41 for a reconciliation. Adjusted pre-provision, pre-tax earnings is revenue net of non-interest expenses before any related allowances. 5. Loan amounts are stated before any related allowance. 34567%0 6. Loan and deposit growth is calculated using average balances. Average balances are calculated as a weighted average of daily closing balances. 7. 8. 9. Includes net client acquisition from Personal and Business Banking over the last twelve months (LTM) - Aug/22 to Jul/23. Funds managed from Imperial Service include loans and acceptances, deposits, and client investments. Loans are gross (do not include allowance for credit losses). We believe that funds managed provides the reader with a better understanding of how management assesses the size of our total client relationships. Reflects financial transactions only. CIBC 36

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